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About a third of applications for individual disability insurance result in exclusions. Typical exclusions include back, neck and exclusions for mental nervous disorders. These exclusions are a result of pre-existing conditions that the applicant had in the previous years leading up to the application. If your policy is approved with an exclusion, it is important to find out if the …

What happens to your disability insurance policy when you miss a payment? Perhaps you moved and never received the bill or you changed banks without notifying the company. You have a 30 day grace period on all payments before the policy goes into pending lapse. Once you exceed the 30 day period, you may have the option to go through …

If you are a CRNA looking for an individual disability insurance policy, it is important to prioritize your needs and budget when customizing your policy. Riders are additional benefits that are added to the policy at an additional cost. Adding up all of the riders can be costly so it is important to prioritize which are most important to you. …

I just came back from a conference about disability insurance and learned a lot about trends happening in the industry. Like most conferences, there were a lot of ideas shared about selling disability insurance. But what ever happens to the clients who never bought a policy? Yesterday I unfortunately found out what happened to a particular physician I spoke to …

Principal Financial Group announced a new 6A occupational class for individual disability insurance and their retirement security products. The new 6A class provides preferred pricing, on average a reduction of 12% over their previous premiums. This new occupational class is not yet approved in all states The following occupations are eligible for Principal’s 6A occupational class; Actuary Architect Astronomer Attorney …